
Vehicle Loans + Other Recreation Loans
Low-interest auto loans and more
Experience the RMCU difference with our competitive, low-interest auto loans. As a member-owned credit union, profits flow back to you through lower interest rates and fewer fees – making our auto financing exceptional.
We proudly offer rates below most big banks with zero application fees and quick, local decision-making. Choose from our diverse loan options tailored to every situation, from new purchases to refinancing on cars, boats, campers, ATVs, and more. Your loan officer will guide you through each step, providing the attentive service only a local credit union can deliver—partner with neighbors who understand Montana's roads and your financial journey.

With any vehicle loan, you'll enjoy:
- Lower loan interest rates than most big banks
- Quick turnarounds with decisions made in our local branches
- No application fees
- A variety of loan types for every situation
- It is the kind of member service you’d expect from a credit union
- Access to a personal loan officer who’ll help you every step of the way
Some restrictions apply. On approved credit. Must qualify for membership eligibility. Each account is privately insured up to $250,000 by American Share Insurance. By members’ choice, this institution is not federally insured.
Loan Types
In Southwest Montana, cars, campers, boats, and ATVs are a part of our way of life. Whether you’re looking for a dependable car or a toy for this summer’s adventures, contact RMCU for the best interest rates in the region.
Auto Loans
Boat loans
RV & Camper Loans
Motorcycle & ATV Loans
Snowmobile Loans
Refinancing
With any RMCU checking account, you’ll enjoy:
Easy Transition From Your Old Checking Account
The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly.
Instant Debit Card Issuing
Take home your new debit card the same day you open your account.
Mobile Wallet Compatibility
Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay.
Credit Score Insights
Monitor your credit using SavvyMoney, a perk built into your RMCU mobile and desktop app.
Electronic Statements
Access your account statements securely online through the mobile or desktop app.
User-Friendly App
Our intuitive Rocky Mountain Credit Union Mobile App makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more.

SWIPE Checking
Earn cash back every time you use your debit card
SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for youth checking – helping you set your teen up for financial success.
Why You’ll Love SWIPE
- Earn 10 cents back for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.)
- No minimum balance.
*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings.
Team Members






Start Your Application
Get a clear picture of your credit score
SavvyMoney is a free credit score monitoring tool for all Rocky Mountain Credit Union members. Learn your current credit score, get personalized tips on improving it, and get alerts to any changes in your credit score.
Protect Your Home + Your Loan Payments
Explore options from our partners for home insurance and loan and gap insurance.
Learn More About Vehicle Loans


